Updated November 7, 2026. The CMF debt report is the official document showing what a person owes the financial system: consumer loans, mortgages, cards and credit lines, current or overdue. It is free, downloaded with ClaveÚnica (Chile's government login) and, since April 1, 2026, it draws on the new Consolidated Debt Registry (REDEC) created by Law 21,680, which adds retail card issuers, family-allowance funds, insurers and other large lenders, according to the CMF, Personal Debt Report. It is not the same as Dicom, a private registry of defaults.
View the data as a table
| Median debt | $1,680,453 |
| Median debt-service ratio | 11.9% |
| Debtors in arrears | 369,000 |
| With high debt burden | 14.1% |
How to get the CMF debt report for free
There are three routes, according to the CMF, Personal Debt Report. The fastest is online: log in to the Conoce tu deuda portal with your RUN and the Civil Registry's ClaveÚnica, and the report can be viewed and downloaded instantly. It can also be requested in person, with a valid ID card, at CMF offices (Av. Libertador Bernardo O'Higgins 1449, Santiago) or at ChileAtiende Express kiosks, Monday to Friday from 9:00 to 13:30, delivered on the spot.
| Who requests it | Channel | What is needed | Delivery time |
|---|---|---|---|
| The account holder | Conoce tu deuda portal | ClaveÚnica | Immediate |
| The account holder | CMF or ChileAtiende Express | Valid ID card | Immediate |
| A third party | CMF online service or in person | ID and notarized power of attorney under one year old | Up to 10 business days |
| An heir | CMF online service or in person | ID, death and kinship certificates (max. 60 days old) | Up to 10 business days |
Source: CMF, Personal Debt Report, checked November 7, 2026. The CMF warns that the data is updated weekly, with a lag of 10 to 20 days relative to the query date: a debt paid yesterday may still appear for a few days. Reports issued since August 22, 2002 can be verified online.
What the CMF debt report shows under REDEC
Until 2025 the report only reflected debts with banks and other CMF-supervised entities. Law 21,680 created REDEC, an official registry that consolidates positive and negative information on a single platform: amounts current and amounts overdue. Under CMF, General Rule No. 540, the CMF set up the registry before November 2025, required lenders began reporting in January or March 2026, and the law has been fully in force since April 1, 2026.
- Banks and credit unions supervised by the CMF.
- Non-bank card issuers, such as retail store cards, and insurance companies.
- Mortgage lenders (endorsable mortgage managers) and securitization companies.
- Family-allowance funds (cajas de compensación), supervised by the Social Security Superintendency.
- Other lenders with credit operations of UF 100,000 or more, or a thousand operations in the last year, and credit advisers registered under the Fintech Law.
Source: CMF, General Rule No. 540, section 3.1. The list of reporting entities is set each year by resolution, before July 30. The same rule gives debtors new rights: seeing which entities accessed their data in the last 12 months, being notified when a third party accesses consent-based data, and requesting update, correction or deletion of wrong data from the reporting entity or the CMF.
- July 14, 2025CMF issues General Rule 540Operating rules for the registry and systems manual.
- November 2025Registry goes liveCMF-supervised entities start reporting.
- January to March 2026Other reporters joinRetail lenders, family-allowance funds and other mass lenders.
- April 1, 2026Law 21,680 fully in force
Does your financial institution want to reach people sorting out their debts? See Pauta Financiera's formats.
See advertising optionsCMF debt report and Dicom: not the same thing
Dicom is the trade name of the registry run by the private company Equifax, which compiles defaults reported by banks, retailers and other creditors and which many firms check before lending or renting. The CMF report, by contrast, is public, free and official, also includes current debts and can only be accessed by third parties with the debtor's consent or in cases set by law. What appears in commercial registries such as Dicom is governed by Law 19,628: debts that have been paid or extinguished cannot be reported, nor those more than five years past due.
| CMF debt report | Dicom (Equifax) | |
|---|---|---|
| Who runs it | The CMF, a public agency | Equifax, a private company |
| What it shows | Current and overdue debts with reporting lenders | Defaults and protests reported by creditors |
| How to check it | Free with ClaveÚnica or ID card | Through Equifax's channels |
| Main law | Law 21,680 (REDEC) | Law 19,628 |
Sources: CMF, Personal Debt Report; Law 19,628. How to settle an overdue debt, how much Chileans owe by region and what happens to the record after paying are explained in our guide to getting out of Dicom.
How much Chileans owe according to the CMF
The latest CMF, 2025 Indebtedness Report, with data as of June 2025 and published in January 2026, shows lower and lighter debt. Bank debtors' median debt fell 16.9% in real terms in one year, to CLP 1,680,453, and the debt-service ratio (what goes each month to paying debts) fell from 13.6% to 11.9% of income. The report covers 6.1 million debtors and attributes the drop to lower interest rates and higher real wages.
View the data as a table
| Median debt | |
|---|---|
| 2021 | $2,416,815 |
| 2022 | $2,469,969 |
| 2023 | $2,426,270 |
| 2024 | $2,023,053 |
| 2025 | $1,680,453 |
View the data as a table
| Debt-service ratio | |
|---|---|
| 2021 | 15.6% |
| 2022 | 16.9% |
| 2023 | 16.1% |
| 2024 | 13.6% |
| 2025 | 11.9% |
Leverage, which measures total debt in months of income, also fell: from 3.0 times in 2021 and 2022 to 1.9 times in 2025. At the other end, 369,000 debtors (6.1% of the total) had some debt overdue by one day or more as of June 2025, and 106,000 were 90 days or more behind; the median overdue amount at 90 days was CLP 305,000. Arrears weigh most at the age extremes: 13.9% of overdue debt over total debt among those over 80 and 5.9% in the youngest group.
| Indicator (median) | June 2024 | June 2025 | Change |
|---|---|---|---|
| Debt (June 2025 pesos) | CLP 2.023.053 | CLP 1.680.453 | -16.9% |
| Debt-service ratio | 13.6% | 11.9% | -1.7 pp |
| Leverage (times income) | 2.3 | 1.9 | -0.4 |
| Debtors with burden above 50% | 16.5% | 14.1% | -2.4 pp |
Source: CMF, 2025 Indebtedness Report, table 1. Includes debt with banks, bank subsidiaries, credit unions, non-bank card issuers and CMF-supervised mortgage lenders.
Who else owes: credit unions and mortgage lenders
The indebtedness report also looks at people who owe only outside banks, a group that REDEC now brings into the debt report. As of June 2025 there were about 128,000 debtors with debt only at CMF-supervised credit unions, 59% of them women, with a median debt of CLP 3,530,297, a debt-service ratio of 22.8% and leverage of 5.7 times monthly income. 21.3% were 65 or older, more than in banking.
Debtors whose only credit is with mortgage lenders (endorsable mortgage managers) numbered 6,493, with a median debt of around CLP 36,000,000 and a debt-service ratio of 21.9%, lower than bank-only mortgage debtors (25.5%, with a median debt of CLP 53,000,000). Across all bank debtors, those with a mortgage spend a median 42.3% of income on debt, versus 7.4% for those without one.
Why check the report before applying for credit
Banks and other lenders check REDEC when assessing an application, with the customer's consent. Checking it beforehand helps catch a forgotten debt, a late installment or a recording error and fix it in time. In the same report, the CMF estimated that lending without complete information raises the estimated default probability for new customers from 6.8% to 10.3%, which translates into higher rates: that is why recording on-time payments can work in favor of good payers.
Those who currently have defaults and need financing can see which lenders operate in that situation and at what rate in our note on loans with Dicom. And anyone planning to buy a home will find each bank's rate and CAE in our comparison of the best mortgage loans.
Frequently asked questions about the CMF debt report
Does the CMF debt report cost anything?
No. It is free for the holder, online with ClaveÚnica or in person with an ID card.
How often is it updated?
Weekly, with a lag of 10 to 20 days relative to the query date, according to the CMF.
Is the CMF report the same as Dicom?
No. The CMF report is official and shows current and overdue debts; Dicom is Equifax's private registry of defaults reported by creditors.
What is REDEC?
The Consolidated Debt Registry created by Law 21,680 and run by the CMF. Fully in force since April 1, 2026, it adds retail lenders, family-allowance funds, insurers and other large lenders.
This information is journalistic and educational, not financial advice. Check your case with the creditor or the CMF before making decisions.
